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Modernize Payments Architecture for ISO 20022 Compliance

ISO 20022 compliance is mandatory by November 2025. Leverage Confluent’s real-time payments platform to ensure interoperability between legacy payments messaging data while standardizing on the new ISO 20022 format.

Build an ISO 20022-Compliant Messaging System

Fueled by technological advancements, changing consumer behaviors, and a growing appetite for real-time transactions, the payments industry continues to rapidly evolve and give rise to a host of new regulatory standards. ISO 20022 is one such standard, a unified language that seeks to streamline financial data interchange and elevate the quality and security of the payments data ecosystem worldwide.

Confluent ensures financial institutions have the modern payments architecture needed to adopt this new standard. Confluent's data streaming platform acts as a bridge, facilitating a smooth transition to the ISO 20022 standard without prematurely sidelining legacy systems.

Simplify integration of ISO 20022 messaging system with existing infrastructure.

Enable seamless data translation between old and new ISO 20022 formats and data exchange between various external systems, such as databases, APIs, and third-party services.

Modernize for real-time monitoring applications for fraud, SLA and security/risk.

Build with Confluent

This use case leverages the following building blocks in Confluent Cloud.

Reference Architecture

The sample reference architecture below illustrates how Confluent’s data streaming platform can ensure interoperability between the different payments messaging formats as companies standardize for the new ISO 20022 requirements.


Use a custom source connector to take an ISO 20022 message, and post it to a Confluent topic. Use a custom sink connector to take a message from a Confluent topic and respond over HTTP or similar protocol with its ISO 20022 equivalent.

Schema Registry

Sync-up component using the SR REST APIs to ensure full compatibility of SR with any changes in the message dictionary.

Stream Governance

Ensure data quality, compatibility and security as well as provide a searchable repository for evolving ISO 20022 message schemas, topics, connectors, and how they relate.


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